the Silver gives better insurance so is what most people go for
The Gold membership gives Personal Accident Cover (not investigated the details but I'm sure someone on here has) but as far as I know the Silver only gives you Liability Insurance to cover a situation if you were being sued by someone for an incident. Humps
Correct!
Racing License DetailsRacing License £15.50 (for persons both OVER and UNDER 23 years of age)
Racing License is for
SILVER and
GOLD members
ONLYA racing licence is normally required to enter competitive cycling events in the UK. Silver and Gold members may purchase a licence with their membership. It is free to under 16s and runs from 1st January to 31st December. The licence gives full access to ability categories, participation in national and international events, regional championships, National Rankings and National Points Series competition
NB. Racing Licenses run from 1st Jan to 31st Dec. If you buy a Racing License on the 1st of Sept then you have to renew your Racing License on the 1st Jan.
British Cycling Membership DetailsBronze member £13- Weekly newsletter
- Provisional racing licence
- Discounts for hotels, shops and services
- Membership card
Membership card; provisional racing licence, allowing you to race in all Go-Race events; FOC discounts with a range of affinity benefits, including the AA, Fitness First, Chillivideo, Carphone Warehouse; access to a network of coaches and cycling development officers; access to training and competition advice.
Silver member £35- Liability insurance protection
- Legal advice and support
- Weekly newsletter
- Discounts for hotels, shops and services
- Membership card
All benefits included under
Bronze membership with the following additions: Third party public liability insurance (with an indemnity limit of £10 million and NO EXCESS); legal advice and support; access to a full racing licence; professional indemnity insurance and regular newsletter for all registered coaches and activity leaders; entry into all regional C/C+ and Go-race events at no extra cost (no ranking points available though).
Gold member £62- Liability insurance protection
- Personal accident insurance
- Legal advice and support
- Quarterly racing calendar
- Weekly newsletter
- Access to a full racing licence
- Discounts for hotels, shops and services
- Membership card
All benefits included under
Bronze and
Silver membership with the following additions: Personal Accident Insurance for incidents occurring whilst cycling in the UK at any time; access to a full racing licence; four free issues of the quarterly Racing Calendar magazine.
GOLD members are covered for ALL cycling at ANY time in the UK, including direct travel to and from any venue for the purposes of participating in an event organised by/or under the auspices of British Cycling. Benefits include: £50,000 cover for permanent total disability; total and irrecoverable loss of sight of one or both eyes; loss of one or both limbs; total and permanent loss of hearing in both ears; total and permanent loss of speech; £7,500 death benefit (£5,000 for U/16s and members aged 70-75); hospital cash benefit of £25 for each complete 24-hr period up to a maximum of £750. Conditions do apply. Full details
Personal Accident InsurancePersonal Accident insurance cover is provided for all
Gold members aged between 5 and 75 years. This is an additional form of insurance cover providing death, permanent disability and hospital benefits.
Gold members are covered for non-competitive, social, leisure and utility cycling and also competitive cycling in events held under the auspices of British Cycling.
Gold members are also covered whilst participating in competitive events held under the auspices of other cycling organisations whose rules and regulations (including Event Safety Guidelines) are acceptable to British Cycling. (Cover includes direct travel to and from any venue for the purposes of participating in an approved event.)
Silver &
Bronze members do not benefit from personal accident insurance.[/color]
Benefits:
Permanent disability - £50,000
Total and irrecoverable loss of sight of one or both eyes - £50,000
Loss of one or both limbs - £50,000
Total and permanent loss of hearing in one ear - £12,500
Total and permanent loss of hearing in both ears - £50,000
Total and permanent loss of speech - £50,000
Death - £7,500 (£5,000 for under 16 and 71-75 years old)
Hospital cash benefit - £25 for each complete 24 hour period up to a maximum £750.
Conditions:
Permanent disability defined as "any and every" occupation
Includes use of power cycles (not registered for road use) or dernys
Excludes:
- professional cycling
- occupational use, tool of trade
- temporary or partial disablement
Age limit: 5 to 75 year olds
Benefits limited to £5,000 max. for members aged 71-75 yrs
Geographical limit - worldwide subject to a maximum of 21-days outside UK
All claims to be reported within 5 working days and independent evidence required that the cycle has been involved in an accident.
Whilst we are unable to provide this additional cover to members aged over 75 years and under 5 years, it is very important to remember that members' liability insurance cover is still provided to ALL
Gold and
Silver members without age restriction.
Liability Insurance For Members AT FAULTThird Party (Public) Liability Insurance is provided by British Cycling's insurers to
SILVER and
GOLD members who are normally resident in the United Kingdom and find themselves wholly or partly responsible for an incident whilst riding or wheeling their cycle.
If you are involved in an incident that was (or is alleged to have been) your fault or partly your fault your insurance cover indemnifies you in respect of a successful third party claim made against you to a limit of £10 million and you will not be liable for the payment of any insurance 'excess'. This essential member insurance covers non-competitive, social, leisure and utility cycling and also competitive cycling in events held under the auspices of British Cycling.
SILVER and
GOLD members are also covered whilst participating in competitive events held under the auspices of other cycling organisations whose rules and regulations (including Event Safety Guidelines) are acceptable to British Cycling.
Motor Pacers holding Silver or Gold membership and a valid and appropriate British Cycling Motor Pacing licence are also covered whilst driving derny or pacing motors up to a maximum of 125cc. Drivers of motor pacing machines over 125cc must apply to British Cycling headquarters for insurance cover.
The following organisations, as at 30/11/05, promote competitive events under rules and regulations (including Event Safety Guidelines) that are acceptable to British Cycling:
Scottish Cyclists' Union
Welsh Cycling Union
Northern Ireland Cycling Federation
CTT (Cycling Time Trials)
WCRA (Womens Cycle Racing Association)
BSCA (British Schools Cycling Association)
BUSA (British Universities Sports Association)
UCI affiliated National Governing Bodies
Members wishing to check whether or not their individual insurance cover extends to a competitive event held under the auspices of another cycling organisation should contact Membership Services on 0161 274 2010.
Other Cycling Organisations
Before participating in competitive events organised by other cycling organisations members are strongly advised to consult the event organiser with regard to the existence and extent of liability insurance cover provided for all riders and officials. Whilst members may be covered under the organiser’s insurance arrangements they should be aware that some cycling organisations and promoters of competitive cycling events provide a significantly lower level of indemnity for their riders and officials and also that, where the member is at fault or partly at fault for a cycling incident, the member may be required to pay a substantial 'excess'.
Members are also reminded that some cycling organisations may only arrange 'contingent' liability insurance cover for their event, which means that their policy will only provide cover in the absence of any other insurance policy. Under these circumstances any other insurance cover that the member or participant may have will be at risk.
British Cycling’s member liability insurance is arranged on a 'primary specific' basis - which means that a claim will not be referred to any other insurance policy that our members may have**.
It is important to note that the insurance covers your legal liability and legal costs and expenses in the event of negligence only and does not cover deliberate acts. Exclusions include: business use and the following 'member to member' claims:
One competitor against another in a cycle race or time trial
Any liability directly or indirectly caused to a Member’s immediate family arising from either social or competitive cycling events
Claims against members who are not resident in Great Britain, Northern Ireland, the Isle of Man, or the Channel Islands
** members travelling to the USA or Canada must have appropriate travel insurance
